Foreign Domestic Helper Q&A Vol. 7
probation periods / theft by helpers / dental expenses / medical costs during travel / MPF
This week’s FAQs address common questions about foreign domestic helpers, including probation periods, theft, dental expenses, travel medical coverage, and MPF contributions.
Q: Do domestic helpers have a probation period?
A: No, there is no probation period. If you're worried about compatibility or the helper getting homesick, consider buying domestic helper insurance with "Re-Hiring Expenses Cover." This can cover re-hiring costs if the helper resigns or is dismissed early on.
Related Reading: Case Study - Re-Hiring Expenses Cover
Q: Is there insurance for theft by a helper?
A: Yes, some comprehensive insurance plans include "Loyalty Assurance."
If you can prove the helper has committed theft, you may be able to claim compensation. Key conditions include:
The theft must be reported within a specific time after the policy ends or the employment contract is terminated.
You must file a police report.
Some plans require the helper to be charged and convicted in a local court.
Read the terms carefully before purchasing.
Related Reading: How to handle suspicion of theft by a foreign domestic helper, and what is loyalty assurance?
Q: If a helper has a toothache or cavity, am I responsible for the costs?
A: Yes, employers are responsible.
The Standard Employment Contract in Hong Kong requires employers to cover medical costs for foreign domestic helpers, including dental care. Note that basic labor insurance does not usually include dental coverage. Comprehensive domestic helper insurance typically does, so it's worth considering.
Related Reading: Foreign Domestic Helper Insurance - Clinical and Dental Expenses
Q: Does domestic helper insurance cover medical expenses during travel?
A: Usually not. The 2003 amendment to the Standard Employment Contract states employers are not responsible for medical costs if a helper travels for personal or voluntary reasons, such as visiting their home country or taking a vacation.
However, if you take your helper on a trip with you, it's recommended to buy travel insurance for them to ensure they have medical coverage abroad.
Related Reading: Taking the foreign domestic helper on a trip - Does the foreign domestic helper insurance cover it?
Q: Do employers need to contribute to MPF for foreign domestic helpers?
A: No, MPF contributions are not required for foreign domestic helpers. Helpers are exempt from MPF contributions as they are on work visas under Section 11 of the Immigration Ordinance.
Source: Mandatory Provident Fund Schemes Authority
Related Articles:
Foreign Domestic Helper Q&A Vol. 6
Foreign Domestic Helper Q&A Vol. 5
Foreign Domestic Helper Q&A Vol. 4
Foreign Domestic Helper Q&A Vol. 3
Foreign Domestic Helper Q&A Vol. 2
Foreign Domestic Helper Q&A Vol. 1
Related product:
California Insurance's latest foreign domestic helper insurance offers the highest coverage in Hong Kong with up to HK$88,000 coverage for hospitalization and surgical expenses. It also provides “New Starter Benefit” that offers probationary protection and “Open Cover” policy reservations for up to 365 days. Learn more or apply now.
The information provided in this article is for general reference only and should not be considered as any form of advice. Our company assumes no responsibility for its use
